Home Owners Dream

Owner Occupied Fixed Rates from

5.99% p.a. Fixed

6.29% p.a. Comparison*

7 bob medals
  • Borrow up to 80% LVR
  • Optional 100% offset
  • Additional repayments up to $20k p.a. during fixed term
  • Loan splits available

    Leave your details and one of our Personal Finance Managers will contact you within one business day.

    Fix your interest rate for 1-5 years

    Be free of home loan uncertainty by fixing your rate for 1 to 5 years.

    Having a fixed rate home loan means your repayments won’t change during the fixed term you choose.

    Our Home Owners Dream Fixed Rate options are feature-packed with flexible repayment frequency options, loan splits at no cost and an optional 100% offset account for you to make the most of your home loan.

    Receive $2,000 up to $10,000 cash back!

    Loans over $250,000 are eligible for a minimum of $2,000 cash back!

    See below for cash back terms and conditions.

    Cash Back T's and C's
    Loan AmountCash Bonus
    $250,000 - $499,999.99$2,000
    $500,000 - $749,999.99$3,000
    $750,000 - $1,999,999.99$5,000
    $2,000,000 + $10,000

    ENQUIRE TODAY >

      Leave your details and one of our Personal Finance Managers will contact you within one business day .

      Home Owners Dream 1 – 5 Year Fixed

      Choose between your preferred fixed term to find rates and specifications.

      Select your preferred fixed term

      6.29%p.a.

      1 Year Fixed Rate

      6.35%*p.a.

      Comparison Rate

      Loan Specifications

      THE BASICS
      Rate6.29% p.a. Fixed
      6.35%* p.a. Comparison
      PurposeOwner Occupied
      EligibilityPersonal
      Company
      Unit
      Discretionary Trust
      Minimum Amount$250,000
      Maximum Amount≤ 65% LVR $5,000,000
      ≤ 70% LVR $4,500,000
      ≤ 75% LVR $4,000,000
      ≤ 80% LVR $3,500,000
      ≤ 90% LVR $1,000,000
      Max loan amount may vary depending on the loan purpose, postcode, and other factors
      Refer to your Reduce Finance Manager for loan amount policy
      LVRMax 90% including LMI for purchases and refinances - Add TBA % to rate
      LMI payable over 80% LVR
      Loan TermUp to 30 years
      Rate OptionsFixed
      Reverts to variable after fixed period
      Available for ConstructionYes
      Add 0.10%
      $500 Construction Admin Fee
      $550 Upfront Progress Inspection Fee
      FEATURES
      Multiple Accounts100% offset account available
      Loan splits available
      Redraw FacilityYes. No minimum via electronic transfer
      Account AccessInternet & Phone transfer access to nominated account
      StatementsHalf yearly
      REPAYMENTS
      TypePrincipal & Interest
      FrequencyVia Direct Debit - Weekly, Fortnightly or Monthly
      MethodsDirect Debit
      Salary Credit
      Additional RepaymentsExtra repayments may be made at any time without penalty
      Maximum $20,000 per year during fixed period
      FEES
      Application Fee$440
      Establishment Fee$0
      Third Party Valuation FeeAt Cost EST $250
      Loans >$1M $0 up to $1,000
      Third Party Legal FeesAt cost
      Unascertainable estimate $50 - $330
      Does not cover government charges, funder's contract settlement fee & PEXA fee
      Annual Fee$0
      Monthly Fee$0
      Optional offset account is $10/month
      Settlement Fee$0

      6.04%p.a.

      2 Years Fixed Rate

      6.32%*p.a.

      Comparison Rate

      Loan Specifications

      THE BASICS
      Rate6.04% p.a. Fixed
      6.32%* p.a. Comparison
      PurposeOwner Occupied
      EligibilityPersonal
      Company
      Unit
      Discretionary Trust
      Minimum Amount$250,000
      Maximum Amount≤ 65% LVR $5,000,000
      ≤ 70% LVR $4,500,000
      ≤ 75% LVR $4,000,000
      ≤ 80% LVR $3,500,000
      ≤ 90% LVR $1,000,000
      Max loan amount may vary depending on the loan purpose, postcode, and other factors
      Refer to your Reduce Finance Manager for loan amount policy
      LVRUp to 80%
      Add TBA% over 80 - 90%
      Loan TermUp to 30 years
      Rate OptionsFixed
      Reverts to variable after fixed period
      Available for ConstructionAdd 0.10%
      $500 Construction Admin Fee
      $550 Upfront Progress Inspection Fee
      FEATURES
      Multiple Accounts100% offset account available
      Loan splits available
      Redraw FacilityYes. No minimum via electronic transfer
      Account AccessInternet & Phone transfer access to nominated account
      StatementsHalf yearly
      REPAYMENTS
      TypePrincipal & Interest
      FrequencyVia Direct Debit - Weekly, Fortnightly or Monthly
      MethodsDirect Debit
      Salary Credit
      Additional RepaymentsExtra repayments may be made at any time without penalty
      Maximum $20,000 per year during fixed period
      FEES
      Application Fee$440
      Establishment Fee$0
      Third Party Valuation FeeAt Cost EST $250
      Loans >$1M $0 up to $1,000
      Third Party Legal FeesAt cost
      Unascertainable estimate $50 - $330
      Does not cover government charges, funder's contract settlement fee & PEXA fee
      Annual Fee$0
      Monthly Fee$0
      Optional offset account is $10/month
      Settlement Fee$0

      5.99%p.a.

      3 Years Fixed Rate

      6.29%*p.a.

      Comparison Rate

      Loan Specifications

      THE BASICS
      Rate5.99% p.a. Fixed
      6.29%* p.a. Comparison
      PurposeOwner Occupied
      EligibilityPersonal
      Company
      Unit
      Discretionary Trust
      Minimum Amount$250,000
      Maximum Amount≤ 65% LVR $5,000,000
      ≤ 70% LVR $4,500,000
      ≤ 75% LVR $4,000,000
      ≤ 80% LVR $3,500,000
      ≤ 90% LVR $1,000,000
      Max loan amount may vary depending on the loan purpose, postcode, and other factors
      Refer to your Reduce Finance Manager for loan amount policy
      LVRUp to 80%
      Loan TermUp to 30 years
      Rate OptionsFixed
      Reverts to variable after fixed period
      Available for ConstructionAdd 0.10%
      $500 Construction Admin Fee
      $550 Upfront Progress Inspection Fee
      FEATURES
      Multiple Accounts100% offset account available
      Loan splits available
      Redraw FacilityYes. No minimum via electronic transfer
      Account AccessInternet & Phone transfer access to nominated account
      StatementsHalf yearly
      REPAYMENTS
      TypePrincipal & Interest
      FrequencyVia Direct Debit - Weekly, Fortnightly or Monthly
      MethodsDirect Debit
      Salary Credit
      Additional RepaymentsExtra repayments may be made at any time without penalty
      Maximum $20,000 per year during fixed period
      FEES
      Application Fee$440
      Establishment Fee$0
      Third Party Valuation FeeAt Cost EST $250
      Loans >$1M $0 up to $1,000
      Third Party Legal FeesAt cost
      Unascertainable estimate $50 - $330
      Does not cover government charges, funder's contract settlement fee & PEXA fee
      Annual Fee$0
      Monthly Fee$0
      Optional offset account is $10/month
      Settlement Fee$0

      6.29%p.a.

      4 Years Fixed Rate

      6.35%*p.a.

      Comparison Rate

      Loan Specifications

      THE BASICS
      Rate6.29% p.a. Fixed
      6.35%* p.a. Comparison
      PurposeOwner Occupied
      EligibilityPersonal
      Company
      Unit
      Discretionary Trust
      Minimum Amount$250,000
      Maximum Amount<65% LVR $5,000,000
      65%-70% LVR $4,500,000
      70%-75% LVR $4,000,000
      75%-80% LVR $3,500,000
      80%-90% LVR $1,000,000
      LVRUp to 80%
      Add TBA% over 80 - 90%
      Loan TermUp to 30 years
      Rate OptionsFixed
      Reverts to variable after fixed period
      Available for ConstructionAdd 0.10%
      $500 Construction Admin Fee
      $550 Upfront Progress Inspection Fee
      FEATURES
      Multiple Accounts100% offset account available
      Loan splits available
      Redraw FacilityYes. No minimum via electronic transfer
      Account AccessInternet & Phone transfer access to nominated account
      StatementsHalf yearly
      REPAYMENTS
      TypePrincipal & Interest
      FrequencyVia Direct Debit - Weekly, Fortnightly or Monthly
      MethodsDirect Debit
      Salary Credit
      Additional RepaymentsExtra repayments may be made at any time without penalty
      Maximum $20,000 per year during fixed period
      FEES
      Application Fee$440
      Establishment Fee$0
      Third Party Valuation FeeAt Cost EST $250
      Loans >$1M $0 up to $1,000
      Third Party Legal FeesAt cost
      Unascertainable estimate $50 - $330
      Does not cover government charges, funder's contract settlement fee & PEXA fee
      Annual Fee$0
      Monthly Fee$0
      Optional offset account is $10/month
      Settlement Fee$0

      6.29%p.a.

      5 Years Fixed Rate

      6.35%*p.a.

      Comparison Rate

      Loan Specifications

      THE BASICS
      Rate6.29% p.a. Fixed
      6.35%* p.a. Comparison
      PurposeOwner Occupied
      EligibilityPersonal
      Company
      Unit
      Discretionary Trust
      Minimum Amount$250,000
      Maximum Amount<65% LVR $5,000,000
      65%-70% LVR $4,500,000
      70%-75% LVR $4,000,000
      75%-80% LVR $3,500,000
      80%-90% LVR $1,000,000
      LVRUp to 80%
      Add TBA% over 80 - 90%
      Loan TermUp to 30 years
      Rate OptionsFixed
      Reverts to variable after fixed period
      Available for ConstructionAdd 0.10%
      $500 Construction Admin Fee
      $550 Upfront Progress Inspection Fee
      FEATURES
      Multiple Accounts100% offset account available
      Loan splits available
      Redraw FacilityYes. No minimum via electronic transfer
      Account AccessInternet & Phone transfer access to nominated account
      StatementsHalf yearly
      REPAYMENTS
      TypePrincipal & Interest
      FrequencyVia Direct Debit - Weekly, Fortnightly or Monthly
      MethodsDirect Debit
      Salary Credit
      Additional RepaymentsExtra repayments may be made at any time without penalty
      Maximum $20,000 per year during fixed period
      FEES
      Application Fee$440
      Establishment Fee$0
      Third Party Valuation FeeAt Cost EST $250
      Loans >$1M $0 up to $1,000
      Third Party Legal FeesAt cost
      Unascertainable estimate $50 - $330
      Does not cover government charges, funder's contract settlement fee & PEXA fee
      Annual Fee$0
      Monthly Fee$0
      Optional offset account is $10/month
      Settlement Fee$0
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